Author Archives: spivey

Standard businesses, whether they sell goods, manufacture them, or provide important services, need to have a BOP, or Business Owners Plan that includes property insurance, liability, and other necessities. That’s normal protocol for anyone with a traditional business. But, what about those who run independent businesses, like selling wholesale goods on Amazon or crafts on […]

The holiday season is filled with gift giving of all kinds, particularly gifts of the pricey variety. Jewelry, video game platforms, art, and vehicles are all high-value gifts that need to have the insurance policies to protect them. Remember, you need the right type of protections for your shiny baubles, collectibles, and other expensive items. […]

The end of the calendar year is a time for reflection, which includes looking back on your business over the several past months. While you’re examining your sales margins and profits, it’s also time to take a look at your insurance policies. Since most of them renew in January, which will be here before you […]

It’s extremely common for people to travel over the winter holidays. With school out of session, it’s the perfect time to head to that ski resort, a grandparent’s house, or other fun-filled destination. However, it’s not always pure fun and games. While you and your loved ones are away from home for a week or […]

As National Fire Prevention Week approaches, it’s important to not only know how to keep fire from destroying your home but also how to protect yourself financially if it does. According to FEMA, cooking is the number one cause of house fires, but electrical malfunctions aren’t too far behind. Understanding what causes these disasters is […]

When you purchase insurance for your business, there are two numbers that you need to pay attention to. One is your premium, which is how much you’ll pay monthly, quarterly, or semi-annually. The other is your coverage. This amount lists how much insurance you have, should you need it. Insurance companies tend to set these […]

Summertime includes a number of holidays, from Memorial Day, to the 4th of July, and all the way up to Labor Day, which are typically celebrated with fireworks demonstrations. While most cities have huge professionally prepared fireworks displays, some people prefer to host a family barbecue followed by a fireworks show of their own. The […]

When it comes to insurance policies, there are few that are as useful as umbrella insurance policies. After all, what happens when your standard business insurance, liability insurance, and other policies aren’t large enough to cover the unexpected damage or handle all of the repairs needed? You or your business could end up paying for […]

Your company’s building is likely the most important (and expensive) part of your business. Whether you run an accounting firm or a manufacturing center, you need your office, warehouse, or machining space. Without it, your company can’t function efficiently. Think about it: without this space, where would your employees work? The crucial importance of your […]

Your business is more than just a means to support your family. It’s also your livelihood, your calling, and possibly one of the main things that keeps you going. For these reasons, you need to ensure that there’s a plan in place for any risks that your company may face. Updating your risk assessment every […]